미국 ETF/주식BILETF

SPDR Bloomberg 1-3 Month T-Bill ETF 계산기

BIL provides exposure to short-term U.S. Treasury bills.

비중을 볼 때 확인할 점

  • 달러 현금성 자산에 가까운 초단기 국채 비중을 만들 수 있습니다.
  • 장기채 ETF보다 금리 변동 민감도가 낮은 편입니다.

리밸런싱 전 리스크

  • 원화 투자자에게는 환율 변동이 체감 수익률에 크게 작용할 수 있습니다.
  • ETF라 예금과 달리 시장 가격과 분배금이 변동될 수 있습니다.

계산기에서 확인하는 순서

  1. 1.SPDR Bloomberg 1-3 Month T-Bill ETF를 포트폴리오에 추가합니다.
  2. 2.보유 수량, 현금, 목표 비중을 입력합니다.
  3. 3.목표보다 과대·과소 편입인지 보고 매수·매도 필요 수량을 확인합니다.

비중 계산 기준

리밸런싱 계산기는 SPDR Bloomberg 1-3 Month T-Bill ETF의 현재 평가금액, 포트폴리오 현금, 다른 보유 종목의 평가금액을 함께 놓고 목표 비중과의 차이를 계산합니다. 실제 주문 수량은 현재가, 환율, 거래 수수료, 최소 주문 단위에 따라 달라질 수 있으므로 결과를 주문 전 점검용으로 사용하세요.

이 페이지를 쓰는 상황

신규 매수 전 목표 비중을 정하거나, SPDR Bloomberg 1-3 Month T-Bill ETF 비중이 커진 뒤 일부를 줄일지 확인할 때 유용합니다. 여러 종목을 함께 보유한다면 단일 수익률보다 전체 포트폴리오에서 차지하는 비중과 변동성 기여도를 먼저 확인하는 편이 안전합니다.

리밸런싱 계산기로 이동종목 비중 최적화
Bonds/Gold

BIL

SPDR Bloomberg 1-3 Month T-Bill ETF

Loading...live

Price Chart

BIL is an ETF that invests in U.S. Treasury Bills with maturities of 1 to 3 months. As a near-cash, ultra-low-risk asset, it can yield around 5% annualized income during periods of elevated interest rates. It is widely used as a cash-equivalent parking vehicle or safe-haven allocation within portfolios, offering minimal price volatility and capital preservation during times of market uncertainty.

Category

Bonds/Gold

Dividend Yield

5%

Expense Ratio

0.14%

Holdings

15

Dividend History

Loading...

Top Holdings

1미국 1개월 T-Bill
2미국 2개월 T-Bill
3미국 3개월 T-Bill

Key Features

  • •Focused investment in U.S. T-Bills maturing in 1–3 months
  • •Ultra-low-risk asset suitable as a cash alternative
  • •Extremely low price volatility (duration ≈ 0.1 years)
  • •High liquidity with tight bid-ask spreads
  • •Benefits from rising interest rate environments

Advantages

  • •Backed by the full faith and credit of the U.S. government — virtually zero default risk
  • •Provides stable annualized yields around 5% during high-rate environments
  • •Price remains nearly flat even during equity market sell-offs, serving as a capital preservation tool
  • •Extremely high trading volume and tight spreads allow easy entry and exit at any time
  • •Ultra-short duration eliminates virtually all interest rate risk on bond prices
  • •Ideal for short-term cash parking and as a holding vehicle during portfolio rebalancing

Risks

  • •Yield decreases alongside falling interest rates, reducing the fund's attractiveness
  • •Long-term total returns are significantly lower compared to equities or longer-duration bonds
  • •Real returns can turn negative during periods of high inflation
  • •Currency fluctuations (KRW/USD) may affect returns for Korean investors
  • •Expense ratio (0.14%) is somewhat higher than comparable money market funds

Rebalancing Strategy

BIL is most effective when allocated as the "cash reserve" portion of a portfolio. Set a target cash allocation (e.g., 5–15%), move profits into BIL after equity rallies, and sell BIL to capitalize on buying opportunities during market dips. Consider a duration rotation strategy: increase BIL allocation during rate-hiking cycles and shift to intermediate-term bonds (IEF, VGIT) when rates begin to decline.

Related Investment Guides

ETF Portfolio in Your 40s | Balancing Growth and Stability

Strategy guide

How to Choose ETFs | Fee, Tracking, Diversification and Tax Checklist

Basics guide

ISA vs Pension Savings for ETF Investing | Which Account Should Hold Which ETF?

Tax guide

2026 US Stock Broker Comparison for Korean ETF Investors

Basics guide

Complete Guide to Mobile Phone Loss Protection

Security Guide guide

Related Market Analysis

2026 High Dividend ETF Strategy: Sustainability Before Yield

Income

BIL Investment Analysis

BIL (SPDR Bloomberg 1-3 Month T-Bill ETF) is a Bonds/Gold ETF comprising 15 holdings. It has an expense ratio of 0.14% and a dividend yield of 5%. It has a reasonable expense ratio.

With a 5% dividend yield, it is ideal for income investing. Reinvesting dividends can maximize the compounding effect.

BIL can play an important role in your portfolio. Due to its concentrated nature, consider combining it with other ETFs for diversification.

US ETF Investment Notes

A 15% withholding tax applies to US ETF dividends. If annual overseas stock capital gains exceed KRW 2.5 million, a 22% capital gains tax is imposed.

Exchange rate fluctuations affect returns. When the Korean won strengthens, dollar-denominated gains may decrease — consider whether to hedge currency risk.

Brokerage fees for overseas ETF trades vary. If you trade frequently, compare fees across brokerages before choosing one.

Need to rebalance your portfolio?Go to Rebalancing Calculator →